Compare — Georgia Financials

panel 2026-09-21Ask

FY 2023 · GEL thousands · companies ordered by revenueXLSX

Line item	ELT Company	GOA Credit	Svipt Credit	Laki Credit	Solo Credit
Net interest income	4,911	4,714	1,892	—	—
Net foreign currency gain / (loss)	452	-32	—	—	—
Operating income	5,363	4,682	3,763	—	—
Operating expenses	-3,428	-3,078	-406	—	—
Operating income before cost of risk	1,935	1,604	3,357	—	—
Profit before income tax	1,935	1,604	3,357	—	—
Income tax expense	-387	-353	-693	—	—
Profit	1,548	1,251	2,664	—	—
Net profit margin	28.9%	26.7%	70.8%	—	—
Net fee and commission income	—	—	1,872	—	—
Total Revenue	—	—	—	3,328	2,737
Total COGS	—	—	—	0	0
Gross Profit	—	—	—	3,328	2,737
Gross Margin	—	—	—	100.0%	100.0%
Total Operating Expenses	—	—	—	-856	-1,340
EBITDA	—	—	—	2,472	1,397
EBITDA Margin	—	—	—	74.3%	51.0%
Total D&A	—	—	—	-6	-34
EBIT / Operating Income	—	—	—	2,465	1,364
Total Interest Expense	—	—	—	-12	-380
Total Other Income	—	—	—	153	110
Profit Before Tax	—	—	—	2,606	1,093
Total Income Tax	—	—	—	-506	-228
Net Profit / (Loss)	—	—	—	1,793	865
Net Margin	—	—	—	53.9%	31.6%

3 financial-sector filers in this set (ELT Company, GOA Credit, Svipt Credit) report no EBITDA / EBIT / gross profit — banks and insurers structurally don't. Those metrics are blank for them and any pooled EBITDA figure understates this set.

This set mixes statement templates (bank, nonfin) — a line only some peers file shows blank for the rest, not zero.

Peer percentile within sector

Rank on

Company	Sector	EBITDA margin · FY 2023	Percentile	Sector n
Laki Credit	Non-bank Credit (MFO/Leasing)	74.3%	92nd pct	36
Solo Credit	Non-bank Credit (MFO/Leasing)	51.0%	67th pct	36
GOA Credit	Non-bank Credit (MFO/Leasing)	—	no FY data	36
Svipt Credit	Non-bank Credit (MFO/Leasing)	—	no FY data	36
ELT Company	Non-bank Credit (MFO/Leasing)	—	no FY data	36

Percentile is within each company's own sector across the whole FY2023 cross-section (1st–100th; higher = larger value). Companies with no sector, or no filing for the year, are not ranked.